When shopping through Complete Savings, supermarkets we partner with set their own cashback terms and conditions. These rules dictate which purchases qualify, what exclusions apply, and when cashback can be withdrawn, sometimes even after your cashback was initially processed. For these cases, a change to your cashback reflects a decision made by the retailer, not by us. This blog is to help guide our members in understanding the considerations to keep in mind when shopping with our list of supermarket retailers and how the processing of their cashback works.
Supermarkets carry certain special terms when shopping at their stores, affecting the cashback you may receive through Complete Savings. Here are the most common reasons your cashback rates may shift:
- Promotional periods ending: Many elevated rates are time-limited offers. When the promotion ends, the rate reverts to its standard level or disappears entirely.
- Excluded product categories: There are certain product categories that may be excluded from items normally eligible for cashback.
- Purchase method restrictions: Some retailers only honour cashback for purchases made directly through their website, not via their app, third-party delivery services or click-and-collect.
- Redeeming gift cards: Where a voucher or discount code is used, cashback may only be validated if such voucher or code was available on our website at the time of purchase.
- Returns and cancellations: If you return an item or cancel an order, the associated cashback is almost always reversed by the retailer.
- Order thresholds: Some promotions require a minimum basket spend to qualify. Orders that dip below this threshold won’t earn cashback.
Supermarket Special Terms: What to Expect
Below is a summary of differentiating cashback special terms at major UK supermarkets. As terms may have changed since the release of this blog (May 2026), always refer to the current terms on each retailer’s page on our site, as they are subject to change.
Tesco Groceries
Cashback is not due on tobacco e-cigarettes smoke-free nicotine products. Cashback is not due for purchases made through the app. If you are redirected to the brand’s app, your purchase will not be tracked and, as a result, not due for Cashback. Cashback is only valid on orders with a minimum basket value of £40.
Waitrose
Customer will not earn rewards on bulk purchases and business orders that are deemed not for genuine personal use by the recipient of the delivery from Waitrose & Partners. Orders must be placed by the Waitrose Customer. Customers will not earn rewards on Customer Service and My Waitrose.
Sainsbury’s
Cashback is only valid on orders with a minimum basket value of £50 Cashback is only valid on the items in your basket at the moment you complete your first checkout. Any changes afterwards, whether you add, remove, or edit items, will not qualify for cashback. Home Delivery/Delivery Pass costs do not count towards purchase amount for cashback. Cashback is not due for purchases made through the app. If you are redirected to the brand’s app, your purchase will not be tracked and, as a result, not due for Cashback. Cashback is only valid for purchases made via an internet browser.
M&S
Cashback is not due on the following products: Made to Measure Shirts, M&S Energy, Personalised Cards, Catalogues, Gift Experiences and any M&S Bank related products (M&S Money, M&S Travel Money, M&S Travel Insurance).Cashback is not due on orders where staff discount has been used. Cashback is only valid on the following product categories: Womenswear, Menswear, Lingerie, Kidswear, Home Furniture, Flowers and Gifts and Wine. Cashback is not due for purchases made through the app. If you are redirected to the brand’s app, your purchase will not be tracked and, as a result, not due for Cashback. Cashback is only valid for purchases made via an internet browser.
Iceland
Cashback is only valid on orders with a minimum basket value of £40. Cashback is not due for purchases made through the app. If you are redirected to the brand’s app, your purchase will not be tracked and, as a result, not due for Cashback. Cashback is only valid for purchases made via an internet browser.
Morrisons
Cashback is only valid on orders with a minimum basket value of £40.Cashback is not due for purchases made through the app. If you are redirected to the brand’s app, your purchase will not be tracked and, as a result, not due for Cashback.
ASDA Groceries
Cashback will not be due on Click and Collect or app orders. Cashback is only valid on transactions between £49 and £300 (excluding delivery costs). Cashback will not be due on cancelations or returns orders. Cashback is not due for purchases made through the app. If you are redirected to the brand’s app, your purchase will not be tracked and, as a result, not due for Cashback. Cashback is only valid for purchases made via an internet browser.
Reading the Special Terms
Before you shop, we srecommend checking the following on the retailer’s page on our platform:
- Which product categories are excluded from the current offer.
- Whether there is a minimum basket spend in place.
- Whether cashback can be applied using gift cards.
- Whether using a loyalty card or points balance affects your eligibility.
- The expiry date of the offer, especially if it’s a boosted or promotional rate.
Special terms can change from time to time, and retailers reserve the right to amend, suspend, or withdraw cashback offers at any time. With this in mind, we recommend checking the terms before every time you shop on Complete Savings.
Tip: If your Cashback is not automatically tracked within 5 days, please allow this period to expire before submitting a ”Missing Cashback” claim within 90 days of the transaction, by following the steps on this link: https://www.completesavings.co.uk/frequently-asked-questions.
Still Have Questions? Our Team is Here
If your cashback has changed, been declined, or reversed, and you believe an error has been made, please contact our customer service team. We’ll investigate your transaction, check what information the retailer has provided, and ensure to respond to you as soon as possible.
When contacting us, please have the following ready:
- Your name, address and membership ID.
- Purchase receipt, its date and amount.
- A description of the items purchased and the cashback you were expecting.
- Type of payment used.
How to Contact Customer Service
You can reach us in the way that suits you best:
- Email: customerservice@completesavings.co.uk
- Phone: 0800 389 6960 (Open 8 AM–8 PM Monday–Friday, 9 AM–4 PM Saturday — free from UK landlines and mobiles)
- Post: Complete Savings, PO Box 5305, Lancing, BN11 9WD
You can also chat instantly with Cleo, our friendly 24/7 chatbot, for quick answers on our website.